How to open a bank account in Spain from the US [2025 Guide]

If you’re relocating and need an account to hold, spend and receive euros, you may be wondering how to open a bank account in Spain. Spain is one of the more straightforward places to get a non-resident bank account, which means you may have options available to you even if you’re not living there just yet. However, you’ll need to pull together some extra paperwork to support your application.

This guide walks through account opening options and requirements for some major Spanish banks – and some alternatives like Wise and Revolut as a more flexible comparison. More on that, later.

Key points: Online Spanish account opening

What documents do I need?

The exact documents you need to open an account with a Spanish bank will vary a little based on the account type. However, in most cases here’s what’s required to open a Spanish bank account:

• Proof of ID – like a passport or National identity card
• Proof of Spanish address – or a certificate of non residency for a non-resident account (more on the certificate of non residency – and how to get one – later)

Other documents like a proof of income – pay slip or tax statement – or a student ID may also be needed based on the account type you select.

It’s helpful to note that there are some banks – like N26 which we’ll look at in more detail later – which accept proof of ID from some other European countries as well as Spain. If you’re already a European resident you might find you have more choice for your Spanish bank account – but if you’re still in the US you may find it trickier to get started. More on a smart solution, next.

Save the paperwork with alternative solutions like Wise or Revolut

If you’re trying to set up a euro bank account before you move to Spain you may be better off with a modern online alternative like Wise or Revolut, instead of a Spanish bank.

Providers like these offer multi-currency accounts which can hold, send, spend and receive euros, alongside a range of other currencies. You’ll be able to open your account with a US proof of identity and address, which means you can access EUR bank details even if Spain isn’t your home just yet.

Set up your account online or via the provider’s app and complete the verification process digitally before you travel.

How to open a bank account in Spain as a non-resident

If you’re already in Spain and have a proof of ID and local address, you’ll often be able to open a Spanish bank account online or by simply walking into a bank to get your account up and running. If you’re looking for a non-resident account with a bank you’ll need to take an extra step and get a certificate of non-residency.

To get a certificate of non-residency you’ll need to visit a police station in Spain, or your local Spanish Consulate if you’re living outside of the country, complete some forms and pay a fee. You’ll get a certificate in a week or so, which is valid for 3 months. If you’re not in Spain yet and want to skip this step, you may find it easier to get your EUR account set up using digital alternatives like Wise or Revolut.

Non-residents are likely to face additional requirements compared to local residents when opening a Spanish bank account. These can include needing to provide a valid passport, proof of address (either locally in Spain or abroad), and documents verifying your employment status, such as a payslip or tax return.

Some banks might also request a certificate of non-residency or other forms of identification, and all foreign documents need to be translated into Spanish and notarized, making the opening process more complex. It’s important to note that requirements can vary between banks, so it’s always best to check with the specific provider beforehand.

Can I open a bank account in Spain before arrival?

If you’re happy to get a certificate of non-residency from your local Spanish Consulate in the US you’ll be able to apply for a non-resident account in Spain before you live there.

It’s also useful to know that some banks offer euro accounts to customers with a residential address which is also in the EU or a Eurozone country. If you’re not in Europe yet you might find it easier to get set up using a specialist account service – we’ve got a couple coming up to kickstart your research.

Which account is best in Spain for foreigners?

While there’s a huge choice of local, regional and global banks in Spain, you’ll need a local proof of address for standard accounts, or a certificate or non-residency for a non-resident product. If you want to skip the hassle and costs of getting your non-resident certificate, digital specialist services may be a better option.

Let’s take a look at a few examples, including a couple of specialist account providers, digital bank N26 and Spanish banking giant Santander’s non-resident account:

*Information correct at time of writing – 15th May 2025

We picked out N26 and Santander as a couple of the more flexible Spanish banks – N26 will let you apply with a proof of address from a range of European countries, and Santander has a non-resident account on offer.

If you’re still in the US and don’t want to have the cost and hassle of getting a certificate of non-residency, an online account provider like Wise or Revolut can be a smart choice, to access low cost banking services in euros alongside USD.

Wise

Wise offers multi-currency accounts which can be used to hold, exchange, send, spend and manage 40+ currencies including both US dollars and euros.

You can open your account while you’re still in the US and get local account details for up to 8+ currencies – including USD and EUR – to receive payments, as well as having the option to send money to 140+ countries and spend internationally with a linked Wise Multi-Currency Card.

Wise is a specialist in low cost currency conversion which uses the mid-market exchange rate with no markup. Use your Wise account as you transition from the US to Europe, to get low fees and great rates every time you need to switch from one currency to another.

Account types: Both personal and business customers can open a Wise multi-currency account from the US with no minimum balance or monthly fees to pay. Check out our Wise Fees article to learn more.

How to open an account with Wise:

1. Go to the Wise website or download the Wise app
2. Sign up with your email and select a personal or business account
3. Verify your identity with a government-issued ID and address details
4. Add money to your balance (USD, EUR or any other supported currency)
5. Start holding, sending, or spending in euros using your EUR balance

Revolut

Revolut describes itself as a financial super app. Accounts are offered to customers based in the US and a range of other countries, and can hold and exchange around 25+ currencies including euros.

You’ll be able to spend on your linked debit card, get some fee-free currency exchange depending on your account type, and even earn interest on your account balance.

Revolut offers standard accounts without monthly fees, or if you want to unlock more features you can upgrade to a paid plan for a monthly fee.

Account types: Standard account plans don’t have monthly fees or you can upgrade to a paid plan on a variety of different tiers – if you’re in the US, plans range up to 16.99 USD/month.

How to open an account with Revolut:

1. Download the Revolut app
2. Sign up with your phone number and create a 4-digit passcode
3. Provide your personal details, including proof of identity, address and email address
4. Add funds
5. Verify your identity by uploading a selfie with your ID document clearly visible
6. Choose your account tier
7. Start using your EUR balance for spending, sending, or receiving

N26

N26 is a European digital bank which offers accounts to customers in 20+ countries around Europe, including Spain. It’s free to get a basic standard account, or you can choose to pay a monthly fee of up to 16.90 EUR to upgrade to a premium account tier.

Customers can send and receive SEPA instant bank transfers for free. They’ll also receive a virtual card immediately upon opening an account and can make use of two free domestic ATM withdrawals per month.

Account types: Standard, Smart, You, Metal and Business accounts are available. Standard accounts are free to open, with no monthly fee.

Eligibility: Available to residents of Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Lithuania, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

How to open an account with N26:

1. Visit the N26 website or download the mobile app
2. Enter your personal details and choose your account type
3. Verify your identity using your passport or national ID
4. Add your N26 virtual card to your wallet
5. Start using your account and manage your EUR balance through the app

Santander Non-Resident account

Santander – one of the largest banking groups in Spain – is a solid place to start if you’re looking for an account from a local provider. There’s a good range of account options, including specialist products like the Santander Non-Resident Account we profiled earlier. Account features and fees vary widely – in the case of the Non-Resident account, there are no maintenance fees, and you can get a linked debit card issued for free. Customers can also apply for a credit card with no fees for purchases made abroad in a currency other than euros. Transaction fees apply based on how you use your account.

Account types: Range of account options with some English speaking customer service offered.

Eligibility: Non-resident accounts are available for customers with a valid proof of their non-resident status.

How to open an account with Santander:

1. Go to the Santander website and select the Non-Resident Online Account
2. Complete the application form with personal details and ID
3. Upload a valid passport (or Spanish ID if living abroad)
4. Submit proof of your non-resident status if requested
5. Fund your account and access your EUR balance

BBVA

BBVA’s Cuenta de Pago Básica is a euro-denominated non-resident account available to anyone legally residing in the European Union—including asylum seekers and individuals without a residence permit who cannot be deported. It’s designed for everyday personal use, with straightforward access to essential banking services in Spain and across the EU.

The account includes typical everyday banking features like cash deposits, card payments, and SEPA transfers within the EU, and can be opened at a BBVA branch. You’ll also get a linked debit or prepaid card, with no maintenance or issuance fees. The account is subject to a single, capped 3 Euro service fee, making it one of the more accessible traditional banking options for non-residents.

Account types: Personal euro account available to non-residents and asylum seekers in the EU.

Eligibility: Customers must legally reside in the EU, be an asylum seeker in Spain, or not be deportable. They also cannot already hold a similar account with another Spanish bank.

How to open an account with BBVA:

1. Visit a BBVA branch in Spain
2. Provide your ID and proof of residence (or applicable documentation if seeking asylum)
3. Complete the application and sign the account agreement
4. Receive your debit or prepaid card and start using your EUR account

What do I need to know before opening a bank account in Spain?

Before getting started, it’s helpful to know what’s typically needed to open a bank account in Spain if you’re applying as a non-resident.

You’ll usually need to provide a valid passport or national ID, proof of address (either in Spain or abroad), and in some cases, a Spanish NIE (foreigner identification number). If you’re opening a non-resident account, banks may also ask for a certificate of non-residency, which you can get from a police station in Spain or a Spanish Consulate abroad.

Some banks allow you to open your account online, while others may require you to visit a branch in person, but this varies depending on the provider and account type. You might also be asked to make an initial deposit or maintain a minimum balance to keep the account active.

It’s also worth noting that fees can vary widely between banks. While some accounts are free to open and maintain, others may charge monthly fees or require you to meet certain conditions, such as setting up a regular deposit or maintaining a certain amount in your account.

If you’d prefer to open your EUR account online before you move, digital providers like Wise or Revolut may offer a more flexible option, with fewer documents and restrictions, and no need to visit a branch.

Can I open a bank account in Spain only with my passport

In some cases, yes, it is possible to open a bank account in Spain using just your passport. However, this usually applies to non-resident accounts, which are designed for people who don’t live in Spain full-time.

Some banks, like Santander, offer the option to open an account online with only a valid passport. However, many banks will ask for additional documents, such as proof of address (which can be outside Spain) employment status and proof of income, or a certificate of non-residency.

If you’re planning to stay in Spain long term, or want to open a resident account, you’ll likely need more paperwork—including a Spanish address and a NIE (foreigner identification number). Each bank sets its own requirements, so it’s best to check with the provider before applying.

What is a bank account in Spain needed for?

If you’re planning to live, work, or study in Spain, having a local bank account makes everyday life a lot easier. Even though it’s not always legally required, many essential services will expect you to have one.

For example, you’ll likely need a Spanish bank account to:

• Get paid by a local employer – most companies will only deposit salaries into a Spanish account
• Pay for rent and utilities – landlords and utility providers usually request payments via local bank transfer
• Set up essential services – from mobile phone contracts to internet bills, many companies ask for Spanish account details for direct debit

Benefits of opening a bank account in Spain

Opening a bank account in Spain comes with a number of practical advantages if you’re planning to stay for more than a short visit.

• Avoid foreign exchange fees by paying in euros locally rather than using a foreign debit or credit card
• Easily receive payments in euros from Spanish employers or clients
• Pay bills and manage expenses with direct debits or local transfers
• Access online and mobile banking tools for day-to-day account management
• Build a financial footprint in Spain, which can help with things like applying for a loan or mortgage in the future

How to open a bank account online in Spain

Thanks to the rise of digital banking providers, opening a bank account in Spain has become more accessible than ever. Whether you’re a resident or a non-resident, here are several options to consider:

Spanish banks: Some banks, like BBVA and Santander will let you open an account online. For instance, BBVA’s Fee-Free Online Account can be opened entirely online by residents with a Spanish ID or residence card. Just fill out an application before verifying your identity via video call.

Digital banks and fintech providers: Platforms such as Wise and Revolut offer convenient online multi-currency accounts. These accounts can be set up from the US, making them ideal for non-residents or those planning to move to Spain and include features like holding and exchanging multiple currencies, international transfers, and linked debit cards.

Specialist non-resident accounts: Some banks cater specifically to non-residents. For example, Santander’s Non-Resident Account can be opened online using a valid passport, without the need for a local Spanish address.

How long does it take to open a bank account in Spain

The time it takes to open and get a bank account up and running in Spain varies. Some digital banks and online services offer account opening in minutes if your documents are ready to go, but banks could take longer and may require you to visit a branch or need to process additional paperwork. In general, you can expect to open an account within anywhere from a few minutes to several working days.

• Wise: Usually around two working days once your ID and documents have been verified.
• Revolut: The application process takes just a few minutes through the app, with instant access after verification, which can take anywhere from 1 to 7 business days
• N26: Usually takes a few minutes to apply; the account is usable once ID is verified.
• Santander: Non-residents can apply online; setup is typically completed after video verification.
• BBVA: Online setup for residents takes minutes, non-residents must visit a branch.

What are the types of bank accounts in Spain

You’ll find a variety of bank accounts on offer in Spain banks to meet various financial needs.

Resident vs. non-resident accounts

• Resident accounts: For customers who legally reside in Spain. These accounts often come with more favorable terms, such as lower fees and access to a wider range of banking services. To open a resident account, you’ll typically need to provide proof of address in Spain and some valid ID.
• Non-resident accounts: For those who don’t reside in Spain but still need a local bank account, like property owners or those planning to move to Spain. To open an account, you’ll usually need to provide a valid passport and, in some cases, a certificate of non-residency.

Common types of bank accounts

• Current accounts (Cuentas Corrientes): Everyday transactional accounts used for receiving salaries, paying bills, and making purchases. They often come with a linked debit card and online banking facilities.
• Savings accounts (Cuentas de Ahorro): Designed for saving money, these accounts usually offer interest on deposited funds. They might have limitations on the number of withdrawals or require a minimum balance.
• Deposit accounts (Cuentas de Depósito): Intended for fixed-term deposits, where funds are locked in for a specified period in exchange for higher interest rates. Early withdrawals may incur penalties.
• Student accounts (Cuentas para Estudiantes): Aimed at students, these accounts typically offer low or no fees and may include perks like free debit cards or discounts on certain services.
• Foreign currency accounts (Cuentas para Extranjeros): Customers can hold and transact in currencies other than the euro, such as USD or GBP, and are useful for anyone who deals with multiple currencies regularly.

How much does it cost to open a bank account in Spain?

Opening a bank account in Spain is often free, especially with online and digital providers. For example, Wise and Revolut offer free standard accounts with no monthly maintenance fees.

However, costs can vary depending on the type of account and services you choose. Premium accounts with digital providers that offer additional features like overdraft facilities, credit cards, or higher transaction limits may come with monthly fees. For instance, Revolut’s Premium and Metal plans have monthly fees of €9.99 and €16.99.

Spanish banks may charge maintenance fees for certain accounts. These fees can range anywhere from €10 to €15 per month, depending on the bank and account type, though student or pensioner accounts often waive these charges.

There may be fees for services like international transfers, ATM withdrawals from other banks’ machines, or requesting physical bank statements. It’s essential to review the fee schedule of any bank or account you’re considering before committing to anything to understand all of the potential costs involved.

Is it possible to open a fee-free account in Spain?

Several providers in Spain offer accounts with no opening or monthly fees. Digital services like Wise, Revolut, and N26 all have free standard accounts with no maintenance costs. Spanish banks such as BBVA also offer fee-free online options for residents, including a debit card and access to local ATMs. Just keep in mind that some services, like international transfers or premium features, may still come with additional charges.

American banks in Spain

If you’re an American living in or traveling to Spain, it’s always good to know if your current US bank has a presence within the country.

While you can use your US debit or credit cards in Spain, be aware that transactions may incur foreign transaction fees, typically around 3%. Additionally, currency conversion fees may apply, especially if you opt for dynamic currency conversion at the point of sale, which often includes unfavorable exchange rates. To minimize fees, consider using ATMs within the Global ATM Alliance, which includes banks like Deutsche Bank in Spain, allowing Bank of America customers to withdraw cash without ATM access fees.

Maintaining your US bank accounts while residing in Spain is generally possible and can be beneficial for managing US-based financial obligations. However, some US banks may have policies that restrict account usage or maintenance for non-resident customers.

American Banks Operating in Spain

Several American banks have a presence in Spain. However, they tend to mainly cater to corporate clients and high-net-worth individuals and don’t usually offer retail banking services to the general public.

Here is a non-exhaustive list of some US banks you can find in Spain:

• JPMorgan Chase Bank – Madrid
• The Bank of New York Mellon – Madrid
• Citibank – Madrid
• Bank of America – Madrid

Even though these banks have offices in Spain, they generally don’t provide retail banking services. That’s why it’s advisable to open an account with a local Spanish bank or a digital bank that operates in Spain for your everyday banking needs.

Tips for sending money between the US and Spain

If you’re living in Spain part-time, moving over permanently, or simply need to send euros to a Spanish account, it’s worth planning ahead to avoid unnecessary fees and delays.

Overseas payments can be pretty costly, with fees that are often confusing. You’ll need to compare both the transfer fee and the exchange rate being applied whenever you send money to make sure you get a good deal.

Here are some tips to avoid costs on international wire transfer fees:

• Use an account that supports EUR and USD: Multi-currency accounts from providers like Wise let you hold both euros and US dollars, making it easier to manage money across borders.
• Open your account online before moving: Digital providers like Wise and Revolut allow you to set up your account and verify your ID from the US, so you’re ready to send or receive euros as soon as you arrive.
• Watch out for hidden fees: Always check both the upfront fees and the exchange rate margin—even small markups can add up when making larger transfers.
• Use a debit card that supports EUR spending: With options like the Wise Multi-Currency Card or Revolut card, you can spend in euros directly from your balance and avoid currency conversion charges.
• Non-resident? Choose flexible options: If you’re not living in Spain full-time, accounts from Wise, Revolut, or even BBVA’s non-resident account can help you avoid the paperwork usually required by resident accounts

Related: Best cards to use in Spain

Conclusion: Open a bank account online Spain

Spanish banks commonly ask for a proof of address from Spain, from another EU or EEA country, or a valid certificate of non-residence for specialist non-resident accounts. That can make it a bit of a hassle to open a Spanish bank account with a standard bank before you relocate, or if you’re only planning on being in Spain on a temporary basis.

If you need a euro account with more flexibility, check out specialist providers like Wise or Revolut, to get an account opened and verified online, with EUR banking details and a linked payment card.

Open a Spanish bank account online FAQ:

Can a foreigner open an account in Spain?

Yes, foreigners can open Spanish bank accounts. However, you’ll often be asked for a proof of address from Spain, from another EU or EEA country, or a valid certificate of non-residence for specialist non-resident accounts. If you’re still based in the US a flexible multi-currency account from a specialist provider may be a better option.

How much do I need to open a bank account in Spain?

It’s usually free to open a Spanish bank account, but there may be a minimum initial deposit, monthly or annual card fees, and there are always some transaction fees to consider, depending on how you use your account.

Can I open a Spanish bank account online?

Some Spanish banks do allow online account opening, but you’ll find this easier if you’re a local resident in Spain and have a proof of address document.

What do I need to open a Spanish bank account?

You’ll typically need a valid passport or national ID, and proof of address in Spain or the EU. Some banks may also ask for your NIE (Foreigner Identification Number), proof of income, or a certificate of non-residency depending on the type of account you’re opening.

Can I open a bank account in Spain without residency?

Yes, you can open a non-resident bank account in Spain. You’ll usually need to provide a passport and a certificate of non-residency, which can be obtained from a Spanish consulate. Some providers like Wise and Revolut let you open a EUR account online without needing Spanish residency.

Can I open a bank account in Spain before landing?

You’ll normally need a proof of address from Spain, from another EU or EEA country, or a valid certificate of non-residence for specialist non-resident accounts. That can mean opening a bank account before landing is a bit of a hassle. However, online and digital specialist services like Wise and Revolut may be more flexible, with accounts you can open online, with proof of address from your home country instead.

If you are interested in opening a bank account in Europe as a non-resident, these guides may be helpful:

• How to open a bank account in France
• How to open a bank account in Italy
• How to open a bank account in the Netherlands

Claire Millard

Author

Claire Millard

Fintech Content Writer

Claire Millard is a content and copywriter with a specialty in international finance. Her work has featured in The Times and The Telegraph, as well as industry magazines and leading personal finance blogs.

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Seyma Mektepli

Reviewer

Seyma Mektepli

Editor-in-chief

Seyma is an experienced content writer and editor-in-chief at Exiap, delivering informative articles on personal finance, and money transfers.

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Last updated

July 7th, 2025